What are those things they preach in finance? Diversification? Managing risk? One should never put all their eggs in one basket, in my opinion. The UX difference between an Apple Card and a regular card, GMail and some smaller provider, etc is so small that it is definitely not worth it.

I pay Apple for... iCloud storage for photos I could lose.

I pay Google for... a dumb internet pipe and YouTube Premium/Music where I could jump in a heartbeat to another ISP, Spotify, etc.

I have some email on my own domain with third party hosting.

And so on.

The price to pay for this is extremely small. I'm not excusing Apple here, but reality is reality -- you are a single person among billions.